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Firmly (Firmly AI) — Cross-network card enrollment, cardholder-verification and payment-intent telemetry, observed from inside a single router that abstracts Visa, Mastercard and Discover behind one API. The byproduct is a comparably-measured record of how each card network behaves for the same logical operation: enrollment path and BIN-detected network assignment, verification method actually required (Visa iframe handshake plus FIDO2, Mastercard iframe plus FIDO2, Discover with no cardholder-verification step at all), challenge trigger and completion outcomes, FIDO2 assertion success or fai…
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Cross-network card enrollment, cardholder-verification and payment-intent telemetry, observed from inside a single router that abstracts Visa, Mastercard and Discover behind one API. The byproduct is a comparably-measured record of how each card network behaves for the same logical operation: enrollment path and BIN-detected network assignment, verification method actually required (Visa iframe handshake plus FIDO2, Mastercard iframe plus FIDO2, Discover with no cardholder-verification step at all), challenge trigger and completion outcomes, FIDO2 assertion success or failure at intent time, saved-card reuse via virtual_card_id without PAN re-entry, and card revocation events — all chained statelessly through a JWE flow_token so each step links into one tamper-evident flow ending in an order completion call
From 2 yearsCoverage Financials · Information TechnologyAsset class Equities
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Firmly (Firmly AI) — Cross-network card enrollment, cardholder-verification and payment-intent telemetry, observed from inside a single router that abstracts Visa, Mastercard and Discover behind one API. The byproduct is a comparably-measured record of how each card network behaves for the same logical operation: enrollment path and BIN-detected network assignment, verification method actually required (Visa iframe handshake plus FIDO2, Mastercard iframe plus FIDO2, Discover with no cardholder-verification step at all), challenge trigger and completion outcomes, FIDO2 assertion success or fai…
Firmly (Firmly AI) offers (Alternative, Reference, Sentiment) — Modest volume with exceptional per-event structure: every flow emits a chained, JWE-linked sequence of enrollment, verification-challenge, verification-completion, intent, challenge and order-completion events with the network resolved from BIN. Est. tens of thousands to low hundreds of thousands of flow events to date. Separately a small reference asset is immediately licensable and holds no payment data at all: the BIN-to-network routing and verification-requirement mapping, which encodes which verification each network demands for which card class.
Training AI shopping agents to route around network-level checkout friction — knowing that Discover completes enroll and intent in one call each while Visa and Mastercard demand iframe plus FIDO2 is directly actionable routing knowledge an agent cannot obtain elsewhere; agentic-checkout success-rate modelling by network, BIN and verification method; FIDO2 and passkey adoption and failure analysis for agent-driven flows where a human is not present; payment-failure and abandonment models localised to the exact API step; PCI-scope and tokenisation studies; and card-network benchmarking on enrolment friction for issuers, acquirers and wallet vendors
The data is with 2 years of history.
Coverage spans US, UK; Transaction & Payment Processing Services, Application Software; alternative, reference, sentiment; equities.
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